Imagine the worst-case scenario: your home has been broken into. You have a solid insurance policy, but when you file your claim, an unexpected question arises — ‘Are your locks insurance-approved?’
This critical query, often overlooked by homeowners, can influence whether your claim is accepted. Failure to meet the insurer’s lock standards could lead to a denied claim, and your provider might not pay out in the event of a burglary.
And while the term ‘insurance-approved’ might suggest a formal endorsement by insurance companies, in reality, insurers do not approve locks themselves.
Here, we’ve demystified what insurers mean by ‘insurance-approved’ locks, the standards you must meet, and practical steps you can take to ensure your home remains both secure and insurable.
What does ‘insurance-approved’ actually mean?
Contrary to popular belief, no single insurance company approves locks.
Instead, insurers require that locks comply with specific security standards set by the British Standards Institute (BSI), the authoritative national body overseeing product safety and quality in the UK.
The most significant benchmark here is BS3621, renowned for its rigorous testing against burglary techniques such as drilling, picking, and forced entry.
Locks bearing the BS3621 certification demonstrate to insurers that you have taken reasonable and recognised security measures.
You can easily identify such locks by looking for the distinct British Standard Kitemark, a heart-shaped emblem with a key motif, accompanied by the number BS3621 engraved on the lock faceplate.
Meanwhile, modern uPVC or composite doors often have different locking systems, and should meet standards that mean they are SS312 Diamond or TS007 3 Star — both levels that many insurers deem adequate to reduce risk.
Does your home have insurance-approved locks?
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Yes
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No
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Not sure
Security checklist for insurance-approved home locks
- External wooden doors: Fit at least a five-lever mortice lock with the BS3621 Kitemark, preferably also a night latch for layered security.
- uPVC or composite doors: Ensure the multi-point locking system features a high-security cylinder rated under TS007 with a 3-star security rating.
- Patio and sliding doors: Install key-operated locks coupled with anti-lift devices to prevent doors from being forced off their runners.
- Windows: Especially ground-floor units should have key-operated locks for adequate protection.
- Sheds and outbuildings: Use robust padlocks with Sold Secure or equivalent British Standard ratings to secure potential entry points.
What if your locks don’t meet these standards?
If your current locks are not compliant, don’t panic. Homeowners can take straightforward steps to upgrade security.
The smartest move is to consult a professional locksmith who can provide a tailored security evaluation. Locksmiths will:
- Assess all external doors and windows.
- Recommend BS3621-compliant locks or other high-security options.
- Carry out installation to increase both security and insurance eligibility.
Given that insurance policies and lock requirements may change, periodic reviews of your home security are highly recommended.
Some locks now also include additional certifications, such as fire resistance or Certifire approval, which can further improve overall property safety and satisfy certain insurers.